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Mortgage Calculator

See your true monthly mortgage payment — principal, interest, taxes, insurance and HOA — in one place, instantly.

  • No upload
  • Free
  • No signup
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Total monthly payment
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  • Principal & interest$0
  • Property tax$0
  • Home insurance$0
  • HOA$0
  • Total interest paid$0
  • Total of all payments$0

Runs entirely in your browser — no numbers are uploaded or stored.

Generated entirely in your browser.

How to use Mortgage Calculator

  1. Enter the home price and your down payment. The tool shows your down payment as a live percentage and the loan amount it leaves you.
  2. Pick your loan term (30, 20, 15 or 10 years) and type the interest rate (APR) your lender quoted.
  3. Add yearly property tax, yearly homeowners insurance, and any monthly HOA dues to see your true all-in payment.
  4. Read the big number — that's your full monthly payment. The breakdown below splits it into principal & interest, tax, insurance and HOA.

Common use cases

  • Budgeting before you house-hunt. Find the price range whose monthly payment fits your budget before you start touring homes, so you never fall in love with something you can't afford.
  • Comparing loan terms. See exactly how much a 15-year loan saves in total interest versus a 30-year — and what it costs you per month — to decide which term fits.
  • Down-payment planning. Watch how a bigger down payment lowers both your loan amount and monthly payment, so you can decide how much cash to put down.
  • Checking a lender's quote. Plug in the rate and term a lender gave you to confirm the monthly payment they quoted actually adds up.

Tips

  • The payment shown is PITI — principal, interest, taxes and insurance — the real number that hits your bank account, not just principal & interest.
  • Property tax and insurance are usually collected monthly into an escrow account, which is why we fold them into the monthly figure.
  • A rule of thumb: keep total housing cost under about 28% of your gross monthly income.
  • Dropping the rate by even 0.5% can save tens of thousands over a 30-year loan — always shop multiple lenders.

Troubleshooting

My payment looks higher than a lender's estimate.
Many lender teasers show only principal & interest. This tool includes tax, insurance and HOA, which is the amount you'll actually pay each month.
I don't know my property tax or insurance.
Estimate: US property tax averages ~1.1% of home value per year, and homeowners insurance ~$1,200–$2,000/year. Set them to 0 to see principal & interest only.

Frequently asked questions

Does this mortgage calculator include property tax and insurance?
Yes. Enter your yearly property tax, yearly homeowners insurance and monthly HOA, and the payment shown is the full PITI amount you'll actually pay each month.
What interest rate should I use?
Use the APR your lender quoted. If you're just estimating, national average 30-year rates are widely published — start there and adjust for your credit.
Is a 15-year or 30-year mortgage better?
A 15-year loan has a higher monthly payment but far less total interest. A 30-year is cheaper monthly but costs much more over the life of the loan. Try both and compare the total interest.
How much down payment do I need?
Conventional loans often want 20% to avoid PMI, but many programs accept 3–5%. A bigger down payment lowers your loan amount, monthly payment and total interest.
Is my data sent anywhere?
No. The whole calculation runs in your browser. Nothing you type is uploaded or stored.